Child Life Insurance - Offices in Tracy and Danville, CA

Be prepared for the unthinkable.

Child life insurance throughout Northern California.

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life insurance policy to help you decide if it’s right for your family.

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While life insurance is usually associated with breadwinners, there are some good reasons to get it for a child. But, it’s very much a case-by-case product, so it’s worth getting expert advice.

Child life insurance is usually a whole life policy that starts much earlier in life than usual. It has three main advantages.

One is that it can cover funeral costs, counseling and leave from work in the tragic event that your child dies.

The second advantage is that it can act as a form of savings, particularly for college fees. Most child life insurance policies build up a cash reserve that you can either withdraw (for a fee) or use as security on a loan. In most cases, the growth of this cash reserve is at a guaranteed rate.

The final advantage is that starting a policy now reduces the risk of your child having trouble getting a policy themselves as an adult if they’ve developed a medical condition in the meantime.

How relevant and significant these benefits are will depend on your financial circumstances, your other savings and investments and your attitude toward risk.

To get more insight into whether child life insurance is right for your family, contact us today.

Let’s discuss your child life insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate child life insurance solution. There’s no obligation, just good-old-fashioned advice.

About M3 Monagan Miller McCreary Insurance Agency

We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.

We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.

We offer comprehensive insurance solutions across all of California, including Tracy, Manteca, Danville, San Ramon, Dublin, Pleasanton, Livermore, the Bay Area and Central Valley.

Our Mission

At M3 Monagan Miller McCreary Insurance Agency, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers.